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Investment Account Projector

Model any registered or tax-advantaged account in Canada or the United States — accumulation, preservation, and distribution in one projection.

Account type

Canada

United States

Brokerage

Taxable Brokerage Account

Your contributions

Typical: 5-8%

VerifiedAdvisorsHub · Brokerage Projector

Your Brokerage Projection

Projection

At end of contributions

$1,082,536

Year 30

After-tax spendable

$975,655

After capital gains

Balance over time

Accumulation
Preservation
Distribution
Your contributions$370,000
Investment growth+$712,536
Peak balance$1,312,340
Total tax paid over lifetime$283,346
Lifetime net withdrawals$1,318,714

A verified advisor can optimize your contribution strategy and tax treatment.

About Taxable Brokerage Accounts

🇺🇸USA

Flexible, no contribution limits — but you pay tax on dividends and realized gains every year.

At a glance

Contribution limitNone
Long-term cap gains0% / 15% / 20% depending on income
Qualified dividendsSame favourable rates as long-term gains

Best for

  • Investing after retirement accounts are maxed
  • Pre-59½ accessible money for non-retirement goals
  • Step-up-in-basis estate planning for heirs

Watch out for

  • Short-term gains (< 1 year) taxed at ordinary income rates
  • Mutual funds can distribute capital gains even without selling
  • Wash-sale rules limit tax-loss harvesting effectiveness

Learn more

ETFs vs. Mutual Funds: A Cost and Tax Framework

6 min read

DCA vs. Lump-Sum Investing: What the Data Actually Shows

6 min read

This is educational, not financial advice. An advisor can apply it to your specific situation.

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About this tool

This calculator runs a three-phase simulation: accumulation (working years with contributions and growth), preservation (wind-down near retirement with a conservative return), and distribution (retirement withdrawals).

Account-specific features are included automatically: employer match for 401(k) plans, CESG grants for RESP, CDSG grants for RDSP, tax-free growth for TFSA/Roth accounts, tax-deferred growth for RRSP/traditional accounts, and capital-gains treatment for brokerage accounts.

Projections assume constant returns and don't model sequence-of-return risk, inflation (unless toggled), or tax-law changes. A licensed advisor can run stochastic simulations and build a comprehensive retirement plan.